Hemne Sparebank

Name

Hemne Sparebank

Legal name

Trøndelag Sparebank

Website

https://hemnesparebank.no

Company type

Private

Founded year

1864

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Kyrksæterøra

HQ country

Norway

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Primary revenue stream from mortgage lending (boliglån), green mortgages, car loans (billån), consumer loans (forbrukslån), and refinancing services. Interest spreads between deposit and lending rates.
2. Fee and Commission Income: Fees from daily banking services including account management (AvtaleGiro, eFaktura), bank cards (Bankkort), credit cards (Kredittkort), international payments, and insurance products.
3. Savings Products: Revenue from savings accounts (Banksparing, BSU, Fondssparing, Pensjonssparing) including management fees and fund distribution commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Hemne Sparebank (now operating as Trøndelag Sparebank) is a Norwegian regional savings bank providing retail and business banking services in Trøndelag. Its core offerings span daily banking (accounts, cards, payments, BankID, Vipps), loans (mortgages, green mortgages, car loans, consumer loans, refinancing), insurance (vehicle, home, travel, pet, contents), and savings and pension products (savings accounts, BSU, mutual funds, pension). The bank also offers real estate agency services and accounting referrals through partner firms.

Product overview

Hemne Sparebank operates as Trøndelag Sparebank, a regional savings bank offering a comprehensive suite of banking and financial services. The core product portfolio consists of four main pillars: Dagligbank (everyday banking with accounts, cards, payments, and digital banking), Forsikring (insurance products for vehicles, homes, travel, and pets), Lån (loans including mortgages, car loans, and consumer loans with green/sustainable variants), and Sparing og pensjon (savings and pension products). Additional services include real estate agency (Eiendomsmegling) and accounting services through partner firms. The bank provides digital tools such as mobile/online banking, BankID authentication, and Vipps mobile payments, alongside calculator tools for mortgage planning. The bank has announced a merger with Ørland Sparebank and will be affiliated with the Eika Alliance.

Differentiator

Problem solved

Functional benefit

Products and services

• Dagligbank (Everyday Banking) Core banking services for daily financial operations including account management (brukskonto), payment services (AvtaleGiro, eFaktura), bank cards (Bankkort), credit cards (Kredittkort), international payments, and customer support. Available to private customers in the Trøndelag region.
• Forsikring (Insurance) Insurance products covering vehicle (Bil), home (Hus), travel (Reise), pet (Hund), children (Barn), and contents (Innbo) for private individuals and households. Includes 24/7 claims hotline and in-branch/advisory claims support.
• Lån (Loans) Loan products including mortgages (Boliglån), green mortgages (Grønt boliglån), green renovation loans (Grønt rehabiliteringslån), car loans (Billån), loans for MC/caravan/ATV, consumer loans (Forbrukslån), and refinancing of consumer debt. Provided to private customers in Trøndelag.
• Sparing og pensjon (Savings and Pension) Savings and pension products including regular savings accounts (Banksparing), youth savings (BSU), mutual fund savings (Fondssparing) including child fund savings, micro-savings (Mikrosparing), automated savings (Smartspar), and pension savings (Pensjonssparing). For private individuals, often within the same household as the lending and insurance products.
• Eiendomsmegling (Real Estate Agency) Real estate agency services supporting property buying and selling for clients in the Trøndelag region. Complements the bank's mortgage lending business.
• Regnskap (Accounting referrals) Accounting services offered through referral partners Trøndelag Regnskap (Sagakl) and Trøndelag Økonomi, primarily for business customers in Trøndelag needing financial reporting and accounting support.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Ørland SparebankcoreStrategic or Co-development Partner · 27 February 2026Trøndelag Sparebank and Ørland Sparebank have signed a fusion plan to merge. The combined bank will maintain affiliation with the Eika alliance. This represents a significant strategic consolidation in the regional savings bank sector.
• VippscoreTechnology or IntegrationIntegration with Vipps mobile payment platform. The bank offers 'Tæpp med Vipps' (Tap to pay with Vipps) as part of its mobile payment services. Vipps is Norway's leading mobile payment solution.
• Eika-alliansencoreChannel Partner/ Reseller/ DistributorPending affiliation following merger with Ørland Sparebank. Eika is a Norwegian alliance of savings banks providing shared services, product range, and collaborative infrastructure for member banks.
• BankIDcoreTechnology or IntegrationBankID integration for secure customer authentication and digital signing. BankID is Norway's standard for secure electronic identification used across banking and government services.
• Trøndelag Regnskap (Sagakl)minorGTM or Marketing PartnerReferral partnership directing business customers to Trøndelag Regnskap for accounting services. Located in Trøndelag area.
• Trøndelag ØkonomiminorGTM or Marketing PartnerReferral partnership for business customers needing financial management and accounting services in the Trøndelag region.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sparebanken Sør: Regional Norwegian savings bank operating in Southern Norway with a similar product mix spanning daily banking, mortgages, insurance, and savings. Same mutual ownership structure and competitive pressures.
• Sparebanken Vest: Norwegian regional savings bank offering a comparable suite of retail banking, mortgages, and digital services. Closely comparable in mutual-sparebank governance model and product breadth, though serving Western Norway.
• Ørland Sparebank: A small Trøndelag-based savings bank that signed a merger plan with Trøndelag Sparebank in Feb 2026. It is structurally identical in product mix (daily banking, loans, insurance) and will become part of the same combined entity.
• Sparebanken Nord-Norge: Large Norwegian regional savings bank operating in Northern Norway with similar deposit-funded lending model, mortgage focus, and retail/SME customer orientation. Stronger scale but same business model category.
• Aasen Sparebank: A small mutual savings bank in Trøndelag and an Eika-alliansen member. Closely comparable in scale, product portfolio, geographic focus, and alliance affiliation — making it a near-twin business model.

Broad incumbents

• DNB Bank: Norway's largest financial services group, offering the same retail banking, mortgage, insurance, and savings products nationally. Competes with Trøndelag Sparebank primarily on scale, digital UX, and pricing rather than on local relationships.

Regional players

• SpareBank 1 SMN: Headquartered in Trondheim, SpareBank 1 SMN is the dominant regional savings bank in Trøndelag. It is the most direct geographic overlap with Trøndelag Sparebank and competes head-on in retail, SME, and mortgage lending across the same catchment area.

Others

• Eika-bankene (Eika Alliansen): The alliance Trøndelag Sparebank is joining through the Ørland merger. Eika provides shared infrastructure, product platforms, and brand services to ~50 local savings banks; functionally an enabler/ecosystem participant rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Customer concentration

• Facebookfacebook.com/hemnesparebank
• LinkedInlinkedin.com/company/hemne-sparebank

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hemne Sparebank